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Renters insurance is insurance you buy if you are renting a property from someone else. It primarily covers your personal belongings since you’re not responsible for the building. A renters insurance policy provides protection for your personal property, such as furniture or electronic equipment, in case of perils like fire, theft, or wind damage. Get a Renters Insurance Quote
If someone breaks into your residence or the apartment above you has a fire, and the water used to extinguish it floods your apartment, your landlord’s policy likely won’t pay to replace any of your personal property. That’s up to you.
You have a lot of money invested in your personal property and it’s worth protecting. As a renter, you could experience a loss due to something you have no control over.
Some of the named perils are:
Fire or Lightning
Vandalism or Malicious Mischief
Accidental Discharge of Water
Keep in mind your need for liability insurance Your Renter’s Insurance Policy will also include liability protection. Which covers damages as a result of an unintentional bodily injury or property damage to another person. Renter’s Insurance may also pay for legal defense in these circumstances. For instance, a vistor gets hurt. They could sue you. Fighting that suit could be an expensive nightmare.
A Renters Policy will protect your personal property the same way it would if you owned a home.
Your Renters Insurance Policy Will Include:
Personal Property Protection – Covers the loss or damage of your personal property
Liabiity Protection – Provides legal representation and protection against judgments
Medical Protection – Covers medical costs for visitors injured at your home
Additional Living Expenses – Reimburses for costs of temporary housing during reconstruction
Consider Purchasing Flood Insurance or Earthquake Insurance Since a Renters Insurance Policy doesn’t cover floods or earthquakes.
Get a quote to see just how affordable all these valuable coverages can be.
If you are a landlord you need a dwelling fire policy instead.
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